Interest rates and charges

Interest rates and charges

Page 1 of 11 G909 - A (14/02/23)

Interest rates and charges

The interest rate and charges information set out below that applies to your product forms part of the terms and conditions that apply to your product.

Correct as at 02 February 2023 (unless stated otherwise)

Bank of England Base Rate 4.00%

C1sretdAitccCoaurdnst

Gold Card Credit Card

representative 16.9% APR variable representative 18.9% APR variable

Simple annual rate (1)

Purchases

Cash Advances

Gold Card

15.780%

21.708%

Credit Card

17.472%

22.368%

If you already have a card with us, your rate may be different from the one displayed here - please see your credit card

statement or contact us to find out your rate.

Credit Card Charges

Cash Advances - 2.99% handling fee, minimum ?3.00 (includes cash withdrawals both in the UK and abroad, Internal Transfers, the purchase of foreign currency, travellers' cheques and certain Balance Transfers, but not gambling transactions).

Foreign usage - 2.99% of the amount of the non-Sterling transaction (a foreign currency) will be added as an adjustment to the exchange rate. Non-Sterling transactions are converted to Sterling by VISA using wholesale market rates applying on the day the conversion is made, usually the date the transaction is applied to your account. Visit visa.co.uk for more information.

Introductory Balance Transfers - 2.29% of the amount transferred (minimum ?5) within three months of account opening. Balance Transfers - 2.9% of each balance transferred, minimum ?5.00.

Late payment fee - ?12.00.

Over limit fee - ?12.00.

Unpaid cheques and Direct Debits - ?5.00.

Personal Loan (2) amount

Loan amount: ?1,000 - ?2,499 ?2,500 - ?4,999 ?5,000 - ?6,999 ?7,000 - ?15,000 ?15,001 - ?30,000 ?30,001 - ?50,000

minimum % APR

21.9% 18.9% 7.9% 4.9% 4.9% 6.9%

maximum % APR

24.9% 24.9% 17.9% 18.9% 15.9% 6.9%

Flexiloan - No longer on sale amount up to ?10,000

% p.a. 17.45%

representative % APR 18.9% variable

(1) The simple annual rate is the rate used for interest calculation purposes.

(2) The rate we may offer could be higher than the advertised annual percentage rate (APR). An approved rate will be based on our assessment of your personal financial circumstances, including a credit check should you choose to apply. The loan amount you request will also impact the rate offered.

Page 2 of 11 G909 - B (14/02/23)

For information only, product no longer on sale

Offset Mortgage Standard Variable Rate (SVR)

Debit Interest

All debit balances Standard Variable

Rate

% p.a. 6.79%

% APRC 7.0%

Debit Interest

All debit balances

Mortgage rates correct as at 14 February 2023

% p.a. 6.79%

Linked 1st Account and savings accounts

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All credit balances (AER)

7.01%

8.83%

11.92%

Offset Mortgage Base Rate Tracker Fee Saver 60% LTV - Existing Customer Linked 1st Account and savings accounts

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances

6.99% (2.99% plus Bank of England base rate now 4.00%)

7.2%

All debit balances

6.99% (2.99% plus Bank of

All credit

England base rate now 4.00%) balances (AER)

7.22%

9.10%

12.29%

Offset Mortgage Base Rate Tracker Fee Saver 75% LTV - Existing Customer Linked 1st Account and savings accounts

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances

6.99% (2.99% plus Bank of England base rate now 4.00%)

7.2%

All debit balances

6.99% (2.99% plus Bank of

All credit

England base rate now 4.00%) balances (AER)

7.22%

9.10%

12.29%

Offset Mortgage Base Rate Tracker Fee Paying 60% LTV - New Business

Linked 1st Account and savings accounts

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances

6.79% (2.79% plus Bank of England base rate now 4.00%)

7.0%

All debit balances

6.79% (2.79% plus Bank of

All credit

England base rate now 4.00%) balances (AER)

7.01%

8.83%

11.92%

Offset Mortgage Base Rate Tracker Fee Paying 60% LTV - Existing

Linked 1st Account and savings accounts

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances

6.79% (2.79% plus Bank of England base rate now 4.00%)

7.0%

All debit balances

6.79% (2.79% plus Bank of

All credit

England base rate now 4.00%) balances (AER)

7.01%

8.83%

11.92%

Offset Mortgage Base Rate Tracker Fee Paying 75% LTV - New Business

Linked 1st Account and savings accounts

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances

6.79% (2.79% plus Bank of England base rate now 4.00%)

7.0%

All debit balances

6.79% (2.79% plus Bank of

All credit

England base rate now 4.00%) balances (AER)

7.01%

8.83%

11.92%

Offset Mortgage Base Rate Tracker Fee Paying 75% LTV - Existing Customer Linked 1st Account and savings accounts

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances

6.79% (2.79% plus Bank of England base rate now 4.00%)

7.0%

All debit balances

6.79% (2.79% plus Bank of

All credit

England base rate now 4.00%) balances (AER)

7.01%

8.83%

11.92%

Fixed Rate mortgage funds are limited and rates vary according to each offer

Offset Mortgage 2 Year Fixed Fee Paying 60% LTV - New Business

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Linked 1st Account and savings accounts

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances 2 year fixed

5.96%

6.4%

All debit balances

5.96%

All credit balances (AER)

6.13%

7.71%

10.40%

Offset Mortgage 2 Year Fixed Fee Paying 60% LTV - Existing Customer

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Linked 1st Account and savings accounts

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances 2 year fixed

5.76%

6.5%

All debit balances

5.76%

All credit balances (AER)

5.91%

7.44%

10.03%

Offset Mortgage 2 Year Fixed Fee Paying 75% LTV - New Business

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Linked 1st Account and savings accounts

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances 2 year fixed

5.98%

6.4%

All debit balances

5.98%

All credit balances (AER)

6.15%

7.74%

10.43%

Offset Mortgage 2 Year Fixed Fee Paying 75% LTV - Existing Customer

Debit Interest

% p.a.

% APRC

Debit Interest

% p.a.

Linked 1st Account and savings accounts

Equivalent Credit non tax standard rate higher rate

Interest (1)

payer

tax payer

tax payer

All debit balances 2 year fixed

5.78%

6.5%

All debit balances

5.78%

All credit balances (AER)

5.94%

7.47%

10.07%

Page 3 of 11 G909 - C (14/02/23)

(1) Instead of receiving interest on your savings, your qualifying savings and current account balances are offset against your outstanding mortgage balance, so you only pay mortgage interest on the difference between the two. Although you don't earn credit interest on your savings or current account, as an example you could effectively achieve the same overall benefit as an account paying 7.01% AER. These figures are based on our standard variable rate and you could receive a higher or lower equivalent rate depending on your current mortgage. Linked accounts could include 1st Account and Savings Account. Interest is applied to the net debit position after the balances of all accounts linked with the Offset Mortgage have been aggregated. Credit interest is not paid on accounts linked with the Offset Mortgage. Linked accounts can include 1st Account and Savings Account. Fixed rate mortgage funds are limited and rates vary according to each offer. Your interest rate will never be a negative figure. Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up your repayments on your mortgage.

Page 4 of 11 G909 - D (14/02/23)

Sharedealing

Sharedealing rates and fees

Account Fee ?10.50 per quarter (inclusive of VAT). Account Fee payable in respect of each Investment Account, quarterly in arrears.

On the last business day of each quarter you will be charged an Account Fee. Calendar quarters run from January to March, April to June, July to September and October to December.

You will always hold a Taxed Account in order to pay the fee, but holding an ISA Account will be at no additional cost.

Online trades

? UK Equities ? Transactions in Euro ? Gilts

Telephone Trades

? UK Equities ? Transactions in Euro ? Gilts ? Frequent Trades - the first 9 trades within a calendar quarter are subject to the standard online or telephone charge as quoted above. All

subsequent online trades (in UK equities only) during that calendar quarter will be subject to the frequent user charge.

Trading in Irish equities listed on the London Stock Exchange will attract commission in Euros. For specific details see our rates page at shares

Trading Taxes and levies*

? UK Stamp Duty Reserve Tax on purchases of UK registered stocks settled by CREST (rounded up to the nearest 1p) ? UK Stamp Duty* ? Non CREST eligible and CREST eligible residual stocks are subject to Stamp Duty of 0.5% (where total consideration is over

?1,000) rounded up to the nearest ?5.

? Irish Stamp Duty

French Financial Transaction Tax (FTT) Italian Financial Transaction tax (ITT) Spanish Financial Transaction Tax (SFTT)

PTM Levy (per transaction)*

? Panel on Takeovers and Mergers - UK equity trades over ?10,000 ? Irish Takeover Panel - Irish equity trades over 12,500

Ancillary fees

? transfer of securities to another broker/share certificate in the customer's name ? duplicate statements (eg contract notes, Consolidated Tax Certificates/statements)

The value of shares can go down as well as up. You may not get back the amount you originally invested.

Costs and Charges Disclosure

Below are the aggregated annualised costs based on an assumed investment amount of ?10,000 and an annual growth rate of zero. A breakdown of these costs and charges is available on request. For Investment Trusts and Exchange Traded Funds where any further charges for the product applies, you will be supplied with the relevant Costs and Charges Disclosure Document (where applicable) ahead of any transactions.

Cost Category

% of Investment Account

Total Service Costs 0.42

Costs ?42.00

?10.50 (including VAT)

?10.50 30 ?40

?25 45 ?50 ?7.95

0.5% 0.5% 1.0% 0.3% 0.1% 0.2%

?1 1.25

?15 per line of stock ?10 + VAT

We are required to display the total service costs as a percentage value of the total investment amount, based on an investment of ?10,000 as an illustration. However, this is a set fee and will be the same regardless of the investment amount.

The below table provides an illustrative view of the cumulative impact of the Total Costs on the assumed investment amount over a period of 3 years with an assumed annual growth rate of zero. The Total Costs will have an impact on your investment return. Whilst performance cannot be guaranteed we are able to give you examples of how the charges will affect what you might get back.

What might you get back if there were no charges What the cumulative costs could be What you might get back after charges

Costs (?) 10,000 126.00 9,874.00

The actual costs incurred may differ depending on your investment amount. *Charges marked with a * are not set by first direct and are therefore outside of first direct's control. All other charges are set by first direct.

Currency cut-off times

When you make a Priority Payment or SEPA payment, currency cut-off times will apply. The main European currency cut-off times are set out in the table below. if you are making a payment to a country that is not listed, you can call us on the usual numbers to find out if there is a cut-off time and what it is.

Currency

Euro Sterling Bulgarian BGN Czech Republic CZK Denmark DKK

Currency cut-off time

15.30 15.30 16.30 16.30 16.30

Currency

Estonia EEK Hungary HUF Iceland ISK Latvia LVL Liechtenstein CHF

Currency cut-off time

16.30 16.30 16.30 16.30 16.30

Currency

Lithuania LTL Norway NOK Poland PLN Romania RON Sweden SEK

Currency cut-off time

16.30 16.30 16.30 16.30 16.30

All cut-off times quoted refer to time in London.

If calling from abroad +44 113 234 5678. For more information on contacting us via BSL video relay service or Next Generation Text Services (NGTX) visit accessibility Because we want to make sure we're doing a good job calls may be monitored and/or recorded, we hope you don't mind.

Any calls that may or do lead to a transaction will be recorded. We will keep these records for seven years. You can ask for a copy at any time during those seven years.

Page 5 of 11 G909 - E (14/02/23)

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